you know, we -- it's important for us, it's important are for us to encourage home ownership but a lot of people rent and there's nothing wrong with renting. we've got make sure that we are creating affordable opportunities when it comes to rental properties. in the run-up to the crisis, banks and governments too often made everybody feel like they had to own a home even if they weren't ready and didn't have the payments. that's a mistake we should not repeat. instead, let's invest in affordable respectal housing. let's bring together cities and states to address local barriers that drive up rents for working families. so if we help more americans refinance their homes, if we help qualified families get a mortgage, we reform our immigration system, we rebuild the hardest hit communities, we make sure that folks have a decent place to rent if they're not yet able to buy, all these steps will give more middle class families the chance to either buy their own home now or eventually buy their own home. it's going to give more relief to responsible homeowners. it gives more options to famil